Car insurance starting from Rs. 2072/year*
  • Save upto 75%*
    Lowest Car Premiums
  • 11.5 Lakh+
    Happy Customers
  • Claim Support
    7 days a week

*TP price for less than 1000cc four-wheeler. All savings/offers are provided by the Insurers which are subject to modification. Terms and conditions apply

Find the right insurance for you
T&C Apply*

Kotak Car Insurance

336 reviews Rate This
    Network Garages1,300+
    Claim Settlement Ratio82.81%
    Emergency AssistanceAvailable 24/7
    Policies Issued18 lakh+
    Claim ProcessDigitally Enabled
    Presence9+ cities

    About Kotak Mahindra Car Insurance

    Kotak Mahindra is a popular general insurance company in the business. The company was incorporated in December 2014. However, Kotak received approval from the IRDA in April 2015. The company offers an array of non-life insurance products like car insurance, two-wheeler insurance, health insurance, and plenty more. Did you know that Kotak Insurance is a 100% subsidiary of Kotak Mahindra Bank Ltd? Well, the bank is a part of the Kotak Mahindra Group, headed by Uday Kotak. Banking operations kick-started long back in 2003.

    Kotak Insurance aims at developing exclusively customized car insurance products paired with a cutting-edge digital infrastructure to provide customers with nothing but the best. The company has established its presence in 167 cities across the country. There are a total of 232 offices at present. Kotak General Insurance has crossed significant milestones since it was first incorporated. If you secure your vehicle with a Kotak car insurance policy, be assured that you are protected from all ends when you hit the roads.

    Kotak Car Insurance

    The Kotak General Insurance offers three types of car insurance plans namely third-party car insurance policy and comprehensive car insurance policy which protect the insured from third party liabilities as well as his or her car from financial losses and damages. Along with comprehensive car insurance policy, one can purchase add-on covers to ensure all-round safety when hitting the road. Some add-on covers provided by the general insurance company are zero depreciation, engine protection, consumables cover, return to invoice, roadside assistance cover, key replacement cover, tyre cover, personal belongings cover, and so on.

    Besides car insurance plans and add-on cover, the insurer also offers personal accident cover in case you sustain any injury while driving, mounting into, dismounting from, or travelling as a co-driver in the insured car. However, this coverage can be extended to secure other passengers travelling in the car as well. The company tends to reward its policyholders based on their claim history, where it offers them No Claim Bonus (NCB) benefit for not making any claim in the policy year. This discount is applicable only on the premium of Own-Damage cover, which increases progressively with each claim-free year up to a maximum of 50%.

    Significant Points of Kotak Car Insurance



    Third Party Property Damage

    Up to Rs. 7.5 Lakh

    Own Damage Cover

    Coverage for Own Car for Its Loss and Damage

    Personal Accident Cover

    Up to Rs. 15 Lakh

    Add-on Covers

    9 Add-on Covers

    Claim Assistance

    24/7 Claim Assistance

    Calculate Your Car Insurance

    Select your car's brand
    • Maruti
    • Hyundai
    • Honda
    • Toyota
    • Mahindra
    Which city is your car registered in?
    • Ahmedabad
    • Bangalore
    • Chandigarh
    • Chennai
    • Gurgaon
    When did you buy your car?
    Have you made a claim in the previous year?

    Benefits of Kotak Car Insurance

    • A wide network of 1,300+ garages
    • 24x7 emergency assistance is offered
    • Digitally enabled insurance solutions provided
    • Allows policyholders to make unlimited claims
    • Quick and hassle-free claim settlement guaranteed.

    Kotak Mahindra Car Insurance Claim Process

    It's 8 step simple process,Hassle FREE
    • 1

      Contact the insurer

      Call Kotak General Insurance on 1800-266-4545 and register your claim. You can visit the workshop and intimate your insurance company
    • 2

      Reach the workshop

      Drive your vehicle to the workshop or get the same towed
    • 3

      The Survey Begins

      Post intimation, a surveyor is appointed. It may take up to 24-48 working hours
    • 4

      Documents Must Be Presented

      The policyholder must submit various documents to the insurance provider. These include Driving License, RC, Claim Intimation Form, Aadhar Card, Policy Copy, PAN Card and a Repair Estimate
    • 5

      The Survey Is Completed

      Survey of a vehicle is completed within 24 to 48 working hours of claim intimation

    • 6

      Surveyor Makes the Call

      Once a thorough survey of the car has been done, the surveyor either accepts the claim or rejects it. Repair-works commence after approval

    • 7

      Delivery Order is Given

      After the repairs are complete, a final survey is done. Deliver order is issued next

    • 8

      Process of Non-Cashless Claims

      Your insured vehicle undergoes repair-works. Initially, you must bear these expenses. The insurance company reimburses the agreed claim amount soon after

    209 Kotak Cashless Garages in India

    Must Read Articles before buying Kotak Car Insurance

    Kotak Car Insurance User Reviews

    Write your review
    What users are saying
    • All
    • Most Helpful
    • Compare
    • Price
    • Cashless Garages
    • Comprehensive
    • Claim
    • Renew
    • Premium
    • Add On
    • Instant policy quotes

      Within a few seconds of visiting the InsuranceDekho, I submitted the car registration number of my Maruti Wago...

      Read More
      By Sandeep Jha
      On: October 20, 2021
    • Paperless policy

      The Kotak car insurance plan issuance for my Hyundai Elantra car was completely paperless on InsuranceDekho. I...

      Read More
      By Anita Blest
      On: October 18, 2021
    • On-time inspection

      Before making a claim request, I requested an official inspection on the InsuranceDekho platform. The executiv...

      Read More
      By Vikrant Awasthi
      On: October 13, 2021
    • Excellent guidance

      I purchased a Kotak car insurance policy issued for a Honda Civic car. I did not know how to make a claim but ...

      Read More
      By Brijesh Rawat
      On: October 11, 2021
    • Assistance for renewal

      I has no idea that the renewal time of my Kotak car insurance was close, which I bought for my Honda Civic car...

      Read More
      By Avni Joshi
      On: October 6, 2021
    • User-friendly website

      InsuranceDekho website is quite user-friendly. From getting information to policy issuance, I got assistance f...

      Read More
      By Shekhar Sharma
      On: October 4, 2021
    • Multiple payment options

      My compliments to the InsuranceDekho platform as they offer their customers different payment options to choos...

      Read More
      By Amrita Arora
      On: September 29, 2021
    • Easy premium calculator

      The premium calculator at the InsuranceDekho platform is easy to use and it gives fast premium calculations. I...

      Read More
      By Vivan Sharma
      On: September 27, 2021
    • Digital System

      I am fond of InsuranceDekho’s digital system, where one never has to go through any paperwork and everything g...

      Read More
      By Manoj Pandey
      On: September 23, 2021
    • Paperless service

      The ultimate digital insurance service by InsuranceDekho amazed me. I could purchase a Kotak car insurance pla...

      Read More
      By Chandan Yadav
      On: September 21, 2021

    Insurance Products by Kotak General Insurance

    Kotak Mahindra Car Insurance FAQs

    • Can I avail the benefits of roadside assistance with Kotak car insurance?

      Kotak Insurance provides prompt services for roadside assistance. Don’t panic when you are stranded in a deserted road. Call Kotak on 1800 266 4545 and request for help. Some of the services provided include:

      • Battery jump start
      • Towing of the car
      • Emergency refueling
      • Key replacement if you are locked out
      • Minor repairs if needed
    • I have a car insurance policy with Kotak. What should I know about IDV?

      IDV stands for the Insured Declared Value of a vehicle. It is the maximum sum assured decided by the insurer in circumstances of theft or total loss. Please Note: Costs of registration and insurance is not included when calculating the IDV of a vehicle. In short, final compensation is offered by an insurance company in situations of a total loss on the basis of IDV.

    • I wish to purchase motor insurance from Kotak. How long will my policy be valid?

      While generally insurance plans are for a year, insurance companies have now come up with long-term plans. New car owners must insure their vehicles with a third party policy for at least 3 years

    • Third Party Policy by Kotak – what is the coverage offered?

      Third party insurance is a basic policy. It covers:

      • Damage to a third party property
      • Disability or death due to accident
      • Legal fees and lawsuits due to accidents
    • Does Kotak Car Insurance provide No Claim Bonus?

      Yes, the company provides No Claim Bonus. NCB is provided when a customer does not make any claim during a policy period

    Why to buy from InsuranceDekho?

    • Instant policy # within 5 mins
    • More than 11.5 Lac happy customers
    • Claim Support available all 7 days of the week

    Kotak Car Insurance Contact Details

    For any assistance or query, call us on:

    Car Insurance News

    • Latest
    • Popular


    Every detail provided in this website is for information purpose only. Insurancedekho under no circumstances, endorse the information provided. However, we are always doing our best to keep our privileged customers up-to-date with neutral and factual information.

    View Best Price
    Don't know your car number? Click Here Brand new car?
    By clicking, I agree to *terms & conditions and privacy policy.
    #Applicable on non-inspection cases i.e. existing policy has not expired or when buying a policy for a new vehicle.